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    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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  • 2 weeks later...
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There is a section of the Forum that deals with default and credit reference issues.

 

In general it is VERY hard to get defaults removed because they do, after all, represent a part of a historical record of activity on the account - i.e. your friend did default. It is a long process with no guarantee of success at the end.

 

However, where there is no signed credit agreement (often the case with Next I think) then there may be a data protection issue to challenge them with. Have they obtained your permission to share your data with the credit reference agencies?

 

I suggest you do some reading on that section of the forum as a starting point.

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they havnt got anything signed at all but surely the fact that she tried to claim the insurance and was told because she was not working and i was self employed she couldnt claim,she should never have had the insurance in the first place so 1 of 2 things are fact if it were genuine insurance they would have paid out and she wouldnt have a default secondly if it was misold they owe her more than she owes them because 15 years of insurance adds up.

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  • 2 weeks later...

How did she get the judgment in the first place? Was it due to not entering a defence? Because if there is no signed agreement I don't see why the judge would find against you.

 

I assume you are unable to appeal?

 

What evidence are you going to offer to get this set aside?

 

I'm afraid I have no experience of these processes and so if nobody else comes along and helps on this thread you may need to ask in the Legal Issues area.

 

Our alleged outstanding debt is back with Next Directory after Moorcroft gave up chasing it when we told them there was no signed agreement in existence.

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Ok.

 

I am assuming this means that:

1. they took you to court

2. either you lost in court or you didn't enter a defence, or you admitted that you owed the money

3. you filled in an income and expenditure form for the court and a court ordered payment plan was agreed

4. you defaulted on this payment plan ordered by the court

 

Have you caught up with the arrears?

 

Have they threatened to use court bailiffs to recover the money?

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What you have here is a "debt" that was being chased and not paid. The creditor took you to court and somehow won the case, even though there was no signed credit agreement and the "debt" was made up of probably mis-sold PPI.

 

Totally unfair on you, but that's what has happened.

 

But the creditor did win the case and you have been ordered to pay up by the court. You have fallen behind on the payments and now they are threatening to use court bailiffs to take your stuff and sell it to pay off the debt. Whether they are now trying to recover just the arrears or the whole amount covered under the CCJ I don't know.

 

I think the most urgent thing you need to do here is work out how to deal with the CURRENT situation which is that you have a CCJ against you and you have not complied with it.

 

How can you stop this threat of court bailiffs coming round to take your stuff and enforce the CCJ?

 

I suggest you seek urgent advice on this - either on the most appropriate section of this forum, or by going along to your local Citizens Advice Bureau.

 

The SECOND priority should be - how can you get this court decision overturned? I know nothing about this process or if it is even possible. Appeal? Set aside? Again, you need advice on this from somebody who knows the rules.

 

But what you need to remember is that it is no good saying the PPI was mis-sold when you already have a court judgment against you.

 

Sorry if this reads harshly but you really need to face the facts of the situation, deal with the immediate crisis (perhaps you can afford to pay £30 to £40 to catch up on the arrears?) - and then come back to fight them if there is a legal way that this is possible.

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  • 2 weeks later...

Sorry this is refering to one of the first posts and probably wont be of any use now.

Just to clarify PPP should kick in even if your OH lost their job but would depend on what was agreed at the time of taking it out but dont quote me on it. Also service charge is basically the interest charged on the opening balance and would only be refunded if Next have made an error!

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service charge is basically the interest charged on the opening balance and would only be refunded if Next have made an error!

 

No, service charge would also potentially have to be refunded if there was signed consumer credit agreement. How can they justify the rate charged if no agreement was signed???

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  • 10 months later...

another question should someone ever read this post I have sent pre lim and lba and am about to pay the court and after reading some other posts have realised i havnt claimed back to 1991 because we have no statements back that far can i guess the ppp they charged for the period 1991 to 2001? And if so do i nead to resend pre lim and lba or just adjust the spread sheet and figures?

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ok paid the 108 pounds at county court on friday 18th, and handed in poc and spreadsheet. It will make there eyes water when they recieve it.

 

low and behold on saturday get letter in the post saying how sorry they were not to reply earlier but had got lost somwhere, they went on to say that they automatically added ppp to all acounts in those days back in 1991 and that if we wanted to opt out that we could use form on back of statement to stop ppp.they then said we could have claimed under the ppp agreement if it was proved we were out of work and if we wanted we could do it now (bollocks)we tried to apply and were told that because I had been self employed i would not be able to claim. They also went on to say that a recent court case with bank of scotland(mcguffick vs rbs) Quote Judge flaux ruled that claimants seeking to prove their credit agreements are unenforceable under the act are still liable for monies owed.unquote

she then went on to say

it was decided that demanding payment,issueing a default notice, threatening legal action and instructing a therd party to demand payment or otherwise seek to procure payment, was not enforcement action and is therefore acceptable. As this is a high court decision the judgement is binding.

But the above says nothing about the fact they shouldnt have taken ppp without permission,

it says nothing about not having written permission to consult cra

it says nothing about that if ppp had been it done in a proper way we would have been told that the policy was not for us.

lets see what they do now I have a few tricks up my sleeve for them, now waiting for the the bull**** defence they come back with

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  • 2 weeks later...

hi nobody,

just had another letter from next saying that they thought our letterd had crossed and all was explained in letter attached. i think they have not passed it on to there legal dept. well will see on wednesday when they have to submit defence by. spoke to court today and they told me to go in on thursday and fill in form asking for judgement they will have to set aside then. any ideas?

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